Capital One (Europe) plc

Financial Ombudsman decision DRN-2043205 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Sep 01deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Charges and fees, Credit file reporting, Complaint handling

In the Ombudsman’s words

Capital One kept charging fees, although it had said no fees would be added.Charges and fees

Mrs C said she’d now found out that Capital One had reported a default on her credit file.Credit file reporting

She said she complained, asking someone to help her with that, but Capital One still wouldn’t do anything.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2043205.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.